401(k) business financing
Use your 401(k) to fund the business with no early-withdrawal penalty (ROBS structure).
- Amount
- Based on 401(k) balance
- Time to fund
- 1–2 weeks
- Term
- N/A
- Rate
- N/A
There is money in a retirement account doing nothing for the business you actually want to run. A ROBS structure rolls it in as equity rather than debt — no monthly payment, no early-withdrawal penalty, and no lender in the picture at all.
- An eligible 401(k) or IRA from a previous employer
- You would rather not carry debt or pledge your home
- Funding a launch, a franchise, or an acquisition
Your retirement carries the risk instead of a lender's money, and the structure has to be set up and operated exactly right — worth taking professional advice before you commit.
Four steps, one profile.
- 01
Prequalify
Answer eight questions about your business. No documents yet.
- 02
Get matched
We check your profile against the criteria of every active lender on the platform.
- 03
Apply
Submit the application and supporting documents for the product you picked.
- 04
Get funded
The typical timeline for this product is 1–2 weeks.
Amounts, terms and rates shown are ranges across our lender network, not an offer of credit. Final terms depend on lender underwriting and your business profile.
See what you qualify for.
One prequalifier covers every product. It takes a few minutes and tells you which options are actually open to you.